Offbeat Ways to Obtain Business Loans & Funding in the 21st Century

Prepare By: Gil Zapata, Founder & CEO of Lendinero.com

Collaborators: Eduardo Solorzano, & Hector Trigueros

848 Brickell Ave. Suite 603 Miami, FL 33131 Toll-Free: 866-264-4691 - contact@kgfacapital.info

LENDING & FINANCING IN 21ST CENTURY

BEFORE

• Banks

• Home Equity

• Credit Score Driven

• Easy to Obtain Walk

NOW• Investment Groups

• Crowd Funding• Private Equity Portals • Cash Flow• Merchant Cash Advance • POF Financing/Factoring • P2P Lending• Angel &VC Capital• Private Placements • Alternative• PROVE IT-WORK• MOVING ON-LINE

Local & National Investment Groups

National Association of Investors Corporation•35,000 Investment clus in the U.S•More than $175 Billion of Equities in Portfolio-50Mill Monthly•Equities Start Ups,Operational, Stocks, Real Estate,Etc.•Grass Roots Investment Group LLC•Started in 2000•$118,000 portfolio worth more than $1.3 million•Equities, Real Estate, and businesses: car washes, franchises,etc

START YOUR OWNDiversity include your Co.

RESEARCHInvestment Strategy

CASH FLOW LOANS 530-600 Credit Score

IDEAL FOR MAGIN MARK UPS IN EXCESS OF 30% OR POTENTIAL TO INCREASE MARGINS BY 5% TO 10% TO EXPAND – SALES, INVENTORY, PURCHASE ODER DRIVEN

• NICE LENDERS FOCUSING ON CASH FLOW OF THE BUSINESS• GROSS DEPOSITS• AVERAGE MONTHLY DEPOSITS• 6 MONTH BANK STATEMENTS• LEND $5000 TO $150,000• CAN WORK WITH CREDIT SCORES OF 530 TO 600• GOOD CASH FLOW (6 MOS TO 1 YEAR)-CAN PAY MY LOAN• GOOD FOR BUSINESSES AT LEAST 1 YEAR IN BUSNESS OR MORE

• BANKS CANNOT DO THIS!!!!-NATIONWIDE AVAILABLE Other Solutions:

Purchase Order Financing, Online Merchant Financing & Factoring

POF & AR FINANCING

PURCHASE ORDER (PO)

ACCOUNTS RECEIVABLE (AR)

MERCHANT CASH ADVANCECredit Card Average

Order Due in Dollars or Invoicing Due: Purchase Order or Invoicing : $100,000 Need or Produce or Cost to Provide Services: $ 60,000 Advance: $ 80,000

Difference: $ 20,000

*paid upon collections (60/90/120)

Normally: Big Purchase Orders or Big Invoices Are Not Paid by Government,

Vendors, Or Big Retailers – 30 Days, 90 Days, 120 Days, Even 6 Months Out.

Example: Your Client Will Pay You 120 Days Out : $100,000 (Finance Co.

Collects)

Rate: 1.5% Monthy 4.5% 3 Months

Why POF, AR, or MCA Finance

• It’s Not Credit Score Driven • Allows You To Grow & Scale ($10K) (Order: $100K) • Interest Rate Friendly • Improves Cash Flow • The OPM (Others People Money) Finance Co. • Establishes Historical for Future Finance • On Credit Cards (Don’t Take Cash) – Disservice Finance Wise• You Don’t Need to Worry About the Cash to:• Produce, Manufacture, Buy, Staff, Provide Services • Document Intensive on Financial Side (down side)

CROWD FUNDING PORTALS

• NOTE VERY BUSINESS IS CROWD FUNDING MATERIAL• YOU DON’T HAVE TO PAY BACK THE FUNDS GIVEN TO YOU• 15 to 60 Day Timeline or Deadline “Fast: $5,000 to 300,000”• Enhance your Social Media Before you Go• Know What You Will To Your (BACKERS)• Need a Video Usually• Need Samples, Visual Materials,Etc• EXAMPLE: $50, $200, $500, $ 1000 (Service, Product, Etc.)

P2P LENDING

PERSONAL LOANS

BUSINESS PURPOSES

PROOF OF INCOME (PAY STUB)

SCORES- 640 TO 680

$10K-30K

FAST FUNDING

BUSINESS: ARTICLES/BANKSTATEMENT

VENTURE CAPITAL

• VIABLE BUSINESSES• FUNDABLE BUSINESSES• 3 TO 4 YEARS- $10 MILLION TO $100 MILLION• THINK BIG• 300 TO 1000 VC FIRMS IN US ALONE• 30 SECONDS “HOT OR NOT”• CLEAN DEAL “HONEST FINANCIAL CHALLENGES”• SHOW WHERE THE DOGS ARE EATING

• WHAT IT COMES DOWN:SCALE UO

• 1ST MONTH:$100-2ND MONTH:$1000• (1000%) INCREASE REVENUES• THE VC’S-MULTIPLY THIS-SEE MILLION

COUPON SITES

• Advanced Sales, Financing, Customers

PLACEMENT AGENTSFUNDING ADVISORS

• Agreements & Contracts with Lenders• They Know Program Guidelines• Multiple Sources to Fund a Funding Request• They know how to structure Deals & Present them• They have a personal relationship with Funders.• They can prepare & Guide you “What’s Needed”• They can show you how to scale up • Can Provide You Inside Tips & Knowledge Based on Other

Businesses They Come in Contact With on Day to Day Basis

CAPITAL, FUNDING, MONEY

INDIRECTLY FUNDING Case Scenario:

OFFICE- $2K = $24,000SUPPLIES $500 = $6000TEL/NET $200 = $2000

STAFF 3X $5K = $60,000LOAN = $20,000CONTACTS-$$$ = $100,000COMMITMENTS = $100,000

TOTAL = $312,000

Capital Infusion Utilizing All Resources:

1. INFRASTRUCTURE2. CONTACTS3. CLIENTS4. CAPITAL5. JOINT VENTURES6. ABA’S

What Do We Do? We help businesses secure loans and obtain alternative

financing utilizing a proprietary system that will let us knowthe funding channels available.

The application will take into consideration all funding channels discusses to obtain short-term and long-term

finance based on the business profile, industry, sales, products, services, accounts receivables, earnings, technology, and last the credit profile.

Even if Denied – Scoring system that identifies the areasthat need to be addressed to obtain financing.

THE END !!! By:

Gil Zapata

Research & In-House Staff Eduardo Solorzano, & Hector Trigueros

848 Brickell Ave. Suite 603 Miami, FL 33131 Toll-Free: 866-264-4691 - contact@lendinero.com